Century Bank of the Ozarks: how it compares with its peers
Against 79 MO banks with half to twice its assets, Century Bank of the Ozarks's strongest measure in Q2 2026 is net interest margin (5.33% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $6.3M).
| Measure | Century Bank of the Ozarks | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.92% | 1.46% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.33% | 4.14% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.75% | 59.54% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $6.3M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.69% | 85.12% | Context |
What it means for lending operations
Its efficiency ratio of 54.75% is better than the 59.54% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community First Banking Company West Plains, MO · $307M
- Goppert Financial Bank Lathrop, MO · $312M
- St. Johns Bank and Trust Company Saint Louis, MO · $297M
- Putnam County State Bank Unionville, MO · $318M
- United State Bank Lewistown, MO · $290M
- Commercial Bank Saint Louis, MO · $283M
Questions about Century Bank of the Ozarks
How big is Century Bank of the Ozarks?
Century Bank of the Ozarks, established in 1894, is headquartered in Gainesville, MO. It reported $305M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Century Bank of the Ozarks's return on assets?
1.92% annualized in Q2 2026, against a 1.46% median for 79 MO banks with half to twice its assets, ahead of 72% of them.
What is Century Bank of the Ozarks's efficiency ratio?
54.75% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 59.54%, and lower is better.
Is Century Bank of the Ozarks growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.